Are you considering a move to Portugal from the UK? Whether it’s the warm climate, relaxed lifestyle, or the allure of new opportunities that attracts you, this guide on “How to Move to Portugal from the UK” offers the essential steps and tips to make your dream a reality.
From understanding the effect of Brexit on your move to navigating visa options and setting up life in Portugal, we’ll provide the straightforward advice you need without overwhelming you with unnecessary details.
Key Takeaways
- 📜 Brexit has changed the process of moving to Portugal for UK citizens, requiring visas for extended stays, but it also creates new opportunities such as permanent residency and citizenship after five years.
- 🗝️ The Golden Visa offers UK citizens a chance to live in Portugal through investment, while the D7 Visa is ideal for those with passive income, both leading to possible permanent residency and citizenship in the long term.
- 🏥 Relocation details for UK expats include straightforward banking setup, accessible healthcare options, diverse property choices, and tax benefits under the new NHR 2.0 regime for eligible professionals.
Understanding the Impact of Brexit on UK Citizens Moving to Portugal
.webp)
Brexit has significantly changed the landscape for UK citizens, including British citizens, planning to move to Portugal. Previously, as EU nationals, Britons could freely relocate and live within the European Union.
However, post-Brexit, UK citizens are now considered non-EU citizens. But don’t let this distinction deter you. In fact, this new status has opened up exciting opportunities, such as the ability to obtain a legal residency permit for stays longer than 90 days.
Yes, you read that right! It is still possible for UK citizens to acquire a permanent residence permit in Portugal. This can provide them with long-term security and stability in the country.
The process now includes applying for residency permits, but with the help of resources like the UK nationals support fund, after five years of legally living in Portugal, you can apply for permanent residence.
Moreover, UK citizens can become a Portuguese citizen through naturalisation after five years of legal residence on a permit. Even with changes from the previous rights under EU membership, the current arrangement still provides a positive path to citizenship.
Visa Options for UK Citizens: Golden Visa vs. D7 Passive Income Visa
.webp)
As you navigate these new waters, you’ll encounter two main visa options that are your tickets to living in Portugal: the Golden Visa and the D7 Passive Income Visa. Each comes with its set of requirements and benefits, paving different paths to your dream of moving to Portugal.
Despite the application process for these visas involving certain costs, like application fees and legal charges, it also offers a chance to manage your finances effectively.
It’s always a good idea to keep enough money in your bank account to cover all the costs associated with the application, ensuring a smooth and successful transition to your new life in Portugal.
Golden Visa
Often referred to as the Golden Ticket to Portugal, the Portugal Golden Visa Program lets nationals of non-European countries, which includes UK nationals, live, work, and study in Portugal by making a qualifying investment in the country, thereby securing a residency visa.
The investment options for the Golden Visa are as diverse as they are exciting. They include:
- Portuguese investment funds
- National heritage
- Supporting an existing Portuguese business
- Real estate investments
The minimum investment required can be as low as €280,000 for real estate or €350,000 for supporting existing businesses.
The perks of the Golden Visa Program include:
- Residency in Portugal
- Eligibility for Portuguese permanent residency and citizenship after five years
- Freedom of movement within the Schengen Area
- Ability to live, work, and study in Portugal
D7 Passive Income Visa
Better known as the Retirement Visa, the D7 Passive Income Visa serves as an excellent choice for individuals with a stable income from passive sources like real estate, pensions, or investments.
To qualify for the Portuguese visa, an applicant must meet the following requirements:
- Have a stable passive income of at least €820 per month for the main applicant, with additional amounts required for each dependent.
- Begin the application process at the Portuguese Consulate in the UK, where you will be issued a temporary, four-month visa.
- Schedule an appointment with SEF in Portugal and provide proof of income and housing during the appointment for a temporary stay visa.
The D7 visa doesn’t only cover the main applicant. Family members can also be included in the application. Once granted, the Portuguese residence permit is valid for one year and can be renewed for two more two-year periods.
After five years, applicants can seek permanent residence or citizenship through immigration and border services and enjoy benefits such as free movement within the EU and access to healthcare and education.
D2 Entrepreneur Visa
The D2 Visa, often referred to as the Entrepreneur Visa, is an excellent choice for individuals looking to start or expand a business in Portugal. This visa is designed to attract investment, boost innovation, and encourage entrepreneurship in the country.
Starting a business in Portugal comes with plenty of exciting possibilities. To qualify, applicants must:
- Present a solid business plan that demonstrates economic viability and potential job creation.
- Have sufficient financial resources to support their business venture and personal living expenses.
- Register their company in Portugal and comply with local tax and legal requirements.
The D2 Visa offers entrepreneurs the opportunity to establish and grow their business while enjoying residency in Portugal. As a pathway to long-term settlement, this visa allows individuals to apply for permanent residency or citizenship after five years of legal stay.
Beyond residency benefits, entrepreneurs gain access to Portugal’s dynamic startup ecosystem, business-friendly regulations, and a thriving community of innovators, making it an ideal destination to launch and expand their ventures.
D8 Digital Nomad Visa
For remote workers dreaming of sunshine, beautiful landscapes, and a thriving expat community, the D8 Digital Nomad Visa is the perfect fit. Launched in 2022, this visa allows freelancers and remote employees from non-EU countries to live in Portugal while continuing their international careers.
The requirements for this visa are as exciting as the lifestyle it enables. To apply, you must:
- Provide proof of remote work with an employer or clients outside Portugal.
- Meet the minimum income threshold, ensuring financial stability while living in the country.
The perks of the Digital Nomad Visa include:
- Legal residency in Portugal while working remotely.
- Access to Portugal’s healthcare and public services.
- The ability to enjoy a work-life balance in one of Europe’s most desirable locations.
Working Holiday Visa
For young travelers seeking adventure, the Working Holiday Visa offers a fantastic opportunity to live and work in Portugal for up to two years. It’s perfect for those looking to explore the country while gaining short-term work experience.
The flexibility of this visa makes it an exciting option for young adventurers. To apply, you must:
- Be a citizen of a country with a working holiday agreement with Portugal.
- Fall within the eligible age range, which is usually between 18 and 30 years old, depending on your country of origin.
The Working Holiday Visa provides young travelers with the flexibility to live in Portugal while taking on short-term jobs to support their stay. It offers a unique chance to immerse in Portuguese culture, experience daily life in a new country, and build meaningful connections.
Additionally, visa holders can take advantage of Portugal’s prime location to explore not only the country itself but also the wider Schengen Area with ease, making it an exciting opportunity for those seeking both adventure and professional experience.
Compare Portugal Visas:
We offer all long-term Portuguese visas for your needs.
Cost of Living Comparison: UK vs. Portugal
One of the biggest advantages of moving to Portugal from the UK is the overall lower cost of living. While expenses vary based on location and lifestyle, Portugal generally offers more affordable housing, transportation, and daily necessities. Here’s a quick snapshot of how the two countries compare:
✅ Housing: Rent in Portugal can be up to 35% cheaper, while property prices per square meter may be up to 70% lower.
✅ Groceries & Dining: Expect 10-20% lower prices on everyday groceries and restaurant meals.
✅ Transportation: Public transport is more affordable, and car ownership costs are often lower.
✅ Utilities: Basic services like electricity and water are comparable, but heating expenses tend to be lower.
For a more detailed look at living expenses, let's break it down further:
Housing Costs: Rent & Property Prices
Housing in Portugal is significantly cheaper than in the UK, though prices vary by region. While Lisbon and Porto have seen rising rental prices, they remain lower than in London or major UK cities.
Buying Property: Portugal offers lower property prices, with an average of €3,500 per sqm in Lisbon compared to £8,000 per sqm in London.
Daily Expenses: Food & Dining
Groceries and eating out in Portugal are generally more affordable than in the UK, with local markets offering fresh produce at lower prices.
- Supermarket costs: Essentials like bread, milk, and fresh vegetables can be 30-40% cheaper than in the UK.
- Dining out: A meal at a mid-range restaurant costs around €12-15 per person, compared to £20-25 in the UK.
Example Monthly Grocery Costs for a Couple: ~€250-€350
Dining Out 2-3x per week: ~€150-€250
Utilities & Internet
Utility costs in Portugal are similar to the UK, with electricity being one of the more expensive aspects. However, heating costs are generally lower due to Portugal’s milder climate.
- Electricity, heating, water, and garbage collection: ~€100-€150 per month (depending on usage and season).
- Internet & Mobile Plan: High-speed internet and phone plans typically cost €30-€50 per month.
💡 Tip: Some mobile operators offer affordable data-only SIM cards for digital nomads and travelers.
Transportation & Car Costs
Public transport in Portugal is well-developed and significantly cheaper than in the UK.
Public Transport Costs
- Monthly transport pass in Lisbon: ~€40
- Monthly transport pass in London: ~£160
- Petrol prices in Portugal are slightly higher, but overall car ownership is more affordable than in the UK.
Owning a Car
- Second-hand cars are slightly more expensive due to high import taxes.
- Insurance and road tax are lower than in the UK.
Lifestyle & Entertainment Costs
Portugal offers a vibrant and affordable lifestyle, with plenty of entertainment options at reasonable prices.
Leisure & Activities
- Cinema ticket: ~€7 in Portugal vs ~£12 in the UK
- Gym membership: ~€30-€40 per month
- Surfing lessons or outdoor activities are widely available and affordable
6. Estimated Monthly Budgets
Your cost of living in Portugal will depend on your lifestyle. Here are rough estimates for different types of expats:
💡 Tip: Living outside major cities like Lisbon and Porto can significantly lower your expenses.
7. Hidden Costs & Considerations
Before moving, it’s important to account for some extra expenses that are often overlooked:
- Private Health Insurance (if you’re not covered under Portugal’s healthcare system) – ~€50-€150 per month
- Initial Relocation Costs (visa fees, rental deposits, flights, moving services)
- Tax Differences – Consider how taxation on pensions, remote work, or investments may differ
- Language Courses – If you plan to learn Portuguese, factor in the cost of lessons
Opening a Portuguese Bank Account
.webp)
Establishing a bank account in Portugal is a pivotal step in your relocation. It offers a convenient way to manage your finances, make payments for property or rent, and avoid the transaction costs associated with using a foreign bank account.
To open a bank account, you will need a current valid passport, proof of address, and possibly additional documents requested by the Portuguese authorities. This address can be in Portugal if you’re opening a local account.
What’s more, you can conveniently open a Portuguese bank account online. All you need is a Portuguese Número de Identificação Fiscal (NIF) number, a valid address in Portugal, and a valid photo ID.
Choosing the Right Bank in Portugal
Not all banks offer the same services or benefits, so it’s important to choose one that aligns with your needs. Portugal has a mix of local and international banks, each with different fees, account types, and online banking options.
Some of the most popular banks include Millennium BCP, Banco Santander Totta, Novo Banco, and Caixa Geral de Depósitos. Many expats prefer banks that provide English-language support and user-friendly online banking platforms.
When selecting a bank, consider the following factors:
If you’re planning to work in Portugal, checking if your employer has a preferred banking partner can also be helpful. Taking the time to compare banks before opening an account can save you money and provide a more seamless banking experience.
Online Banking & International Transfers
Portuguese banks offer advanced online banking services, making it easy to manage your account remotely. Most banks provide mobile apps that allow you to transfer money, pay bills, and even set up automatic payments for rent or utilities.
If you frequently send or receive money from abroad, it’s worth comparing international transfer options. Some banks offer competitive exchange rates, while others may charge higher fees.
Many expats use third-party services like Wise, Revolut, or PayPal for lower-cost international transfers. Understanding these options can help you avoid unnecessary banking fees and maximize your finances while living in Portugal.
Taxation for UK Expats in Portugal
When it comes to taxes, UK expats in Portugal must pay taxes on their worldwide income. The Portuguese tax system, now under the NHR 2.0 regime, offers a 20% flat tax rate for eligible professionals in sectors like science and technology.
However, the broad exemptions for foreign income, including pensions, that were previously available under the old NHR regime have been discontinued. This change means that while the new regime still offers some tax benefits, it no longer provides the same level of tax efficiency for retirees and those with foreign income sources.
In addition, the Double Taxation Agreement between Portugal and the UK ensures that you’re not taxed twice on the same income in both countries, especially when considering Portugal from the UK. This arrangement provides significant relief for those receiving pensions or other forms of income originating in the UK.
Healthcare Access for UK Citizens in Portugal
Another important aspect to consider while relocating to a new country is healthcare. UK citizens with legal residency in Portugal can access the state-funded healthcare system (SNS) by registering and obtaining a Healthcare User Number.
UK pensioners in Portugal can register for healthcare using the S1 form. Similarly, posted workers from the UK can complete their registration using a UK-issued S1 form and may also continue using their European Health Insurance Card (EHIC) until its expiry.
While the Portuguese National Health Service (SNS) covers most healthcare services, co-payments known as ‘taxas moderadoras’ are required for some services, and prescriptions may incur additional costs, which are applicable to foreign residents as well.
These fees are relatively low and provide an affordable option for healthcare in Portugal, but some individuals may still opt for private health insurance.
Finding Accommodation: Renting or Buying Property in Portugal
With your visa, banking, taxes, and healthcare organised, the subsequent step involves finding your new home. Portugal offers a variety of affordable property options, whether you prefer to rent or buy.
Foreigners, including UK citizens, can buy real estate in Portugal without any restrictions. What’s more, local banks may even offer loans for up to 80% of the property value.
If you prefer to rent, you’ll find various options to suit different budgets and lifestyle preferences. Whether you fancy a city apartment, a beachfront villa, or a country cottage, Portugal has something for everyone.
Short-Term vs. Long-Term Rentals
If you’re unsure about committing to a property right away, a short-term rental can be a great way to explore different areas before making a long-term decision. Many expats start with Airbnb, serviced apartments, or month-to-month rentals before securing a long-term lease or purchasing property.
Moving Your Belongings from the UK to Portugal
Planning becomes crucial while shifting your belongings from the UK to Portugal. Consulting a relocation company can make the process smoother and more efficient. These companies have expertise and experience in international moves, ensuring your belongings reach your new home safely and securely.
One crucial document you’ll need is the baggage certificate. This document enables the duty-free import of your personal belongings to Portugal, saving you from paying import taxes on your personal items.
Obtaining the baggage certificate is straightforward. You just need to request it in advance of your move, ensuring that it states that the items being moved are used and have been in your possession for over six months.
Education and International Schools in Portugal
If you are relocating to Portugal with your family, education naturally becomes a priority. Portugal boasts a selection of excellent international schools that offer British and international curricula, providing a multicultural education experience for your children.
There are international schools specifically catering to British expats, including:
- British School of Lisbon
- IPS Cascais
- Nobel International School Algarve
- Oporto British School in Porto
- St. Julian’s School
Admission to these schools usually requires the completed enrollment form, a passport copy and birth certificate of the child, and a passport copy of the child’s parent or legal guardian. With these requirements met, your child can enjoy a high-quality education in Portugal.
Adapting to Life in Portugal: Language, Culture, and Lifestyle
Moving to Portugal is more than just a change in location—it’s an opportunity to embrace a new language, culture, and way of life. While English is widely spoken in tourist areas and expat communities, learning Portuguese is essential for a smoother integration and a more enriching experience.
Portuguese culture is deeply rooted in tradition, community, and hospitality. From local festivals to the relaxed café culture, adapting to the Portuguese lifestyle means immersing yourself in the customs and daily rhythms of the country.
Engaging with Local Communities
One of the best ways to feel at home in Portugal is by actively participating in local life.
✅ Join local events and festivals – Portugal has a rich cultural calendar, including the famous Festa de São João in Porto and Festa de Santo António in Lisbon.
✅ Take part in language exchange meetups – Many expat hubs host informal gatherings where locals and foreigners can practice Portuguese and English.
✅ Support neighborhood businesses – Shopping at local markets and dining at family-owned restaurants can help you connect with the community.
✅ Consider volunteering – Many local organizations welcome foreigners, offering a great way to build relationships while giving back.
Portuguese Social Etiquette & Customs
Adapting to life in Portugal isn’t just about learning the language—it’s also about understanding the country’s social customs and etiquette. While Portugal is a welcoming and laid-back country, knowing a few cultural norms will help you integrate more smoothly and avoid unintentional missteps.
1. Greetings & Social Interactions
- A handshake is common in formal settings, but among friends, expect two kisses on the cheek (right side first).
- When entering a shop, café, or any public place, it’s polite to say “Bom dia” (Good morning) or “Boa tarde” (Good afternoon).
- Titles matter! Many Portuguese people use “Senhor” (Mr.) or “Senhora” (Mrs.) before last names in formal interactions.
2. Dining & Mealtime Etiquette
- Lunch is the main meal of the day and can last up to two hours—especially in family or business settings.
- Don’t ask for salt and pepper before tasting your food—it can be considered rude to the chef.
- When toasting, maintain eye contact and say “Saúde!” (To your health!).
3. Punctuality & The Pace of Life
- Portugal has a relaxed approach to time, especially in social settings—being 10-15 minutes late is normal.
- Bureaucratic processes can take longer than expected, so patience is key when dealing with paperwork or services.
- Most small businesses close for lunch (between 1 PM and 3 PM), so plan errands accordingly.
4. Festivals, Traditions & Respect for Culture
- Portugal has many public holidays and religious festivals, such as Festa de São João in Porto and Festa de Santo António in Lisbon.
- Fado music, Portugal’s traditional melancholic music, is a deeply respected art form—if watching a performance, remain silent and listen attentively.
- Football (soccer) is a national passion, and discussing teams like Benfica, Sporting, or FC Porto can spark lively conversations.
Family Reunification for UK Citizens in Portugal
If you intend to move your whole family to Portugal, it’s notable that UK citizens can incorporate dependent family members into their visa applications. The process of family reunification involves
- Presenting a family reunification visa application in person in your country of residence
- The visa is valid for two years for successful applicants
- Typically takes around 60 days to process
The required documents for a family reunification visa application include the Portugal visa application form, a passport with a validity of at least 6 months, and identity documents of the foreign family member.
Once granted, family members are eligible for residency and can enjoy the same benefits as the main applicant.
Driving in Portugal: Converting Your UK Driving License
If you plan to drive in Portugal, you must convert your UK driving license to a Portuguese one within 90 days of establishing residency. The process is simple: fill out an online form, submit the required documents, and pay a fee of around €30.
You’ll need your valid UK driving license, proof of identity, and Portuguese residence. Importantly, no driving test is required for the conversion.
Beyond the license conversion, understanding Portuguese roads is key. Toll roads require registration for electronic payments, and familiarizing yourself with local driving habits is recommended.
Required Documents for License Conversion
This table outlines the documents you need to convert your UK driving license to a Portuguese one.
Make sure all documents are prepared to streamline the process and ensure a smooth journey.
Employment Opportunities for UK Citizens in Portugal
If your relocation to Portugal is work-oriented, a spectrum of opportunities in diverse sectors awaits you. The job market in Portugal offers opportunities in:
- 🌍 Tourism
- 🏨 Hospitality
- 📱 Electronics
- 🚗 Transportation
- 💻 IT
- 🩺 Healthcare
The tech industry in Portugal is particularly booming, offering competitive salaries. A mid-level blockchain engineer, for instance, can earn between €60,000 and €80,000 per year, while entry-level web developers start at €20,000 to €30,000.
For those looking to teach English in Portugal, having a bachelor’s degree, a TEFL/TESOL certification, and prior teaching experience can increase your eligibility.
Being a native English speaker is advantageous, but highly proficient non-native speakers can also meet the requirements.
Summary
In conclusion, moving to Portugal from the UK involves several key steps, from understanding the impact of Brexit on your move to sorting out visas, banking, taxes, and healthcare.
Whether you plan to rent or buy a home, bring your family, or convert your UK driving license, Portugal offers excellent opportunities for UK citizens seeking a fresh start. Embrace the vibrant culture, the warm climate, and the rich culinary heritage, and start your Portuguese journey today!
Frequently Asked Questions
Q: Can a UK citizen move to Portugal?
A: Yes, UK citizens can move to Portugal, but they may need to apply for a visa and adhere to specific residency requirements. The process might take longer and involve additional steps due to Brexit.
Q: Is it necessary to learn Portuguese before moving to Portugal?
A: While English is widely spoken in urban areas, learning basic Portuguese enhances daily interactions and integration into local communities.
Q: How much money do I need to immigrate to Portugal?
A: You will need to budget around $2,500 to $3,000 per month for a couple immigrating to Portugal, with a higher cost of living in the city center. This amount will cover your living expenses.
Q: Can I claim UK benefits if I move to Portugal?
A: Yes, you may be entitled to some UK benefits if you move to Portugal, such as state healthcare coverage and certain exportable benefits, like an exportable UK pension or contribution-based Employment Support Allowance. To explore your options, you can apply for a S1 form through the Department for Work and Pensions' International Pensions Centre.
Q: Can I drive in Portugal with my U.S. driver's license?
A: U.S. citizens can drive for up to six months with a valid U.S. license; afterward, obtaining a Portuguese license is required.
Q: What is the easiest way to immigrate to Portugal?
A: The easiest way to immigrate to Portugal is through the Golden Visa Program, which offers a residence permit in exchange for substantial financial investments. Other options include securing a job, studying, or having family ties in Portugal.
Q: What are the main visa options for UK citizens moving to Portugal?
A: The main visa options for UK citizens moving to Portugal are the Golden Visa and the D7 Passive Income Visa. Both visas offer different benefits and requirements.
Q: Are there specific vaccinations required for moving to Portugal?
A: No special vaccinations are needed; ensure routine immunizations are up to date before relocating.
These FAQs address practical aspects of moving to Portugal, providing clear and concise information for prospective expatriates.
.svg)
